the problem is, sandy flooded many areas that were not on those maps. i spoke to one man has been living in the same neighborhood for years and never a drop of water in his house, never bought flood insurance. he is going to be in rough shape trying to rebuild his basement. and places like hoboken, flood insurance, people have it, but it doesn't cover finished basements. we are talking not necessarily basements all the way down, but garden apartments, that is only covered up to $500,000. people are potentially out a lot of money even with maximum coverage. host: years a gentleman you referred to. repairs and appliances will likely cost between a $20,000.30000 dollars. fema has said it will pay $4,400 as part of an individual assistance program. let us of the individual payout. we are looking at the 616 million-forever 20,000 -- that is $660 million point to 420,000 residents. the average grant is around $1,400. the maximum payout is around $32,000. let us go to the phones, marsha ll, on our line for democrats. caller: hello. ning.mor fema rolled in here